Gavop's guide to buying homeowners insurance in Pacific Grove, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Pacific Grove, CA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Customs Rd, Oleada Rd, Chaparral Rd, Melrose St, Broncho Rd, Bentley St, Redwood Ln, Forest Lodge Rd, Sinex Ave, la Calle Corte | $865,000 | $770,000 | $700,000-$800,000 | $769,000 | $660,000 | $800,000-$900,000 |
| Forest Lodge Rd, Portola Rd, Montecito Ave, Presidio Rd, Bird Rock Rd, Stevenson Dr, Arena Ave, Crescent Rd, Forest Park Ct, Alvarado | $501,500 | $470,000 | $400,000-$500,000 | $842,500 | $800,000 | $900,000-$1,000,000 |
| 16th St, Prescott Ln, Colton Rd, Gibson Ave, Ballantrae Ln, Funston Ave, Los Altos Dr, 16th St, Ridge Rd, Riata Rd | $738,000 | $600,000 | $600,000-$700,000 | $1,161,000 | $1,070,000 | More than 10,000,000 |
| Costado Pl, Eardley Ave, Venadero Rd, Elk Run Rd, Arkwright Ct, Mora Ln, Sinex Ave, Bristol Curve, Rosemont Ave, Forest Lake Rd | $840,500 | $670,000 | $700,000-$800,000 | $1,075,500 | $960,000 | More than 10,000,000 |
| Oasis Rd, Cayuse Rd, Bishop Ave, Cabrillo Rd, Seapalm Ave, Adobe Ln, Palmero Way, Beach St, Sawmill Gulch Rd, Mission Rd | $449,500 | $380,000 | $400,000-$500,000 | $806,500 | $700,000 | $600,000-$700,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$103 | $1,042 |
| Home and Two Car | -$195 | $950 |
| Home and Three Car | -$275 | $870 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Monterey County | $1,000 | $1,175 | $2,175 | $854 | $1,854 | $321 |
| Pacific Grove, CA | $2,000 | $1,131 | $3,131 | $822 | $2,822 | $309 |
| Marina, CA | $500 | $866 | $1,366 | $629 | $1,129 | $237 |
| Pajaro, CA | $1,500 | $1,046 | $2,546 | $760 | $2,260 | $286 |
| Aromas, CA | $300 | $1,539 | $1,839 | $1,119 | $1,419 | $421 |
| Live Oak, CA | $2,500 | $965 | $3,465 | $701 | $3,201 | $264 |
| Corralitos, CA | $500 | $2,307 | $2,807 | $1,677 | $2,177 | $630 |
| Santa Cruz County, CA | $700 | $1,251 | $1,951 | $909 | $1,609 | $342 |
| Boulder Creek, CA | $400 | $963 | $1,363 | $700 | $1,100 | $263 |
| Morgan Hill, CA | $1,000 | $1,352 | $2,352 | $983 | $1,983 | $370 |
| Santa Clara County, CA | $500 | $1,489 | $1,989 | $1,082 | $1,582 | $407 |
| Diablo Range, CA | $1,500 | $2,574 | $4,074 | $1,870 | $3,370 | $703 |
| Home Insurance Company Pacific Grove, CA | Homeowners Insurance Agency Pacific Grove, CA | Address | Popularity Score | Distance from Pacific Grove (miles) |
|---|---|---|---|---|
| State Farm | Casey Nguyen | 979 Story Rd Unit 7069, San Jose, CA, 95122-4617 | 49.0 | |
| Farmers | Veronica Perez | 1000 Pajaro St Ste Bb, Salinas, CA, 93901 | 15.3 | |
| State Farm | Kathy Power | 1590 Del Monte Blvd, Seaside, CA, 93955-4238 | 4.2 | |
| Farmers | Julie Perry | 505 Lighthouse Ave Ste 103, Pacific Grove, CA, 93950 | 0.6 | |
| Travelers | Coverage Plus Insurance Agency | 750 E Mcglincy Ln Ste 109, Campbell, CA, 95008 | 45.3 | |
| State Farm | Tina Choi | 4300 Stevens Crk Blvd Ste 130, San Jose, CA, 95129-1263 | 48.4 | |
| State Farm | Tracy Chappell | 975 W Alisal St Ste C, Salinas, CA, 93901-1148 | 14.3 | |
| State Farm | Tom Mckinney | 716 Lighthouse Ave Ste B, Pacific Grove, CA, 93950-2567 | 0.3 | |
| Farmers | Xochitl Nino | 4340 Almaden Expy Ste 210, San Jose, CA, 95118 | 44.4 | |
| State Farm | Donna Chiaramonte | 2210 Winchester Blvd, Campbell, CA, 95008-3430 | 45.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Monterey County, CA | $441,000 | $1,189 | $880 | $1,620 | $740 |
| Pacific Grove, CA | $764,600 | $1,145 | $850 | $1,560 | $710 |
| Marina, CA | $431,800 | $877 | $650 | $1,190 | $540 |
| Pajaro, CA | $507,200 | $1,059 | $780 | $1,440 | $660 |
| Aromas, CA | $522,200 | $1,558 | $1,150 | $2,120 | $970 |
| Live Oak, CA | $622,600 | $977 | $720 | $1,330 | $610 |
| Corralitos, CA | $882,500 | $2,335 | $1,730 | $3,180 | $1,450 |
| Santa Cruz County, CA | $659,900 | $1,266 | $940 | $1,720 | $780 |
| Boulder Creek, CA | $487,600 | $975 | $720 | $1,330 | $610 |
| Morgan Hill, CA | $729,900 | $1,369 | $1,010 | $1,860 | $850 |
| Santa Clara County, CA | $829,600 | $1,507 | $1,110 | $2,050 | $940 |
| Diablo Range, CA | $1,034,100 | $2,605 | $1,930 | $3,540 | $1,610 |